Thank you for the question.
I think there is a predictability to what we have now. What concerns our members the most, I think, is the phasing and the rollout of what's been discussed in future changes to the self-care framework. It's the ability to predict the timing and the scope of those changes and to plan their businesses accordingly.
As I touched on, coming out of the last 24 months, I think there's a lot of concern for our small and medium-sized businesses on how to navigate what uncertainty is ahead, and not having a clear road map and some predictability for when these changes will happen and how they'll be coordinated is definitely a concern to our membership.